Oraan’s privacy policy

Our goal is to keep our Privacy Policy simple and transparent - but, if you still have questions, our service channels listed below are at your disposal.

This Privacy Policy describes the personal data we collect, how it is used, stored and shared and your rights in relation to that data. We recommend carefully reading it.

Privacy Policy

This Privacy Policy (“Policy”) outlines Oraan Tech (Private) Limited’s (“Oraan”, “we”, “us”, or “our”) practices and conduct in relation to the storage, usage, processing, and disclosure of personal data that you have chosen to share with us when you use our products and services including but not limited to www.oraan.com (“Website”), the Oraan mobile phone application (“App”) and all other Oraan products and services as may be made available from time to time (the Website, App and products and services are hereinafter collectively referred to as the “Platform”), or personal data that we may have access to in relation to your use of the Platform.

This Policy is to be read in consonance with our Terms and Conditions available on our Website and App and may be updated from time to time. This Policy, as amended, shall apply to you as and when updated and the most current version of this Policy shall be available for your review on our Website and App.

By using the Platform, you agree that you have read, understood, and are bound by this Policy and the Terms and Conditions and that you comply with the requirements listed herein. If you do not agree to the entirety of this Policy and the Terms and Conditions or are not willing to or unable to comply with the requirements specified herein, please do not access the Platform.

Note: Capitalized words in the Policy are terms with a specifically defined meaning. Whenever there is mention of the terms “we” or “our”, we are referring to Oraan as defined hereinabove; likewise, whenever there is mention of the terms "you", "your", “yours” we are referring to our customers. Please read this Policy in consonance with Oraan’s terms and conditions available on our website, www.oraan.com. By agreeing to this Policy, you hereby consent to all the terms as detailed throughout this Policy.


By using the Oraan Platform and signing up as a member or user of Oraan, you are required to provide us with your personal data in order to facilitate Oraan in providing you with the best customer experience.  At Oraan, privacy, security, and transparency are fundamental values ​​and we will always adopt best practices to guarantee the confidentiality and integrity of your personal data. By using our products or services, you agree to the collection, storage, usage, analyzing, accessing, and dissemination of your data in accordance with this Policy.

Prominent disclosure: This app collects information like contacts, calendar, storage, registered accounts and web history & browser bookmarks, and installed apps for credolab pte ltd to provide credit scores


This Policy is applicable to all Oraan customers using the Platform in Pakistan or outside of Pakistan. Oraan will process your personal information in accordance with this Policy and all applicable laws in Pakistan. Please note:

  • We are transparent on how we handle your personal information;
  • We process your personal information for legitimate purposes such as assessing your creditworthiness and building your financial identity along with assessing your risk profile;
  • We allow you to choose not to answer or provide Oraan with any information that you deem unnecessary to provide which may or may not lead to availing  Oraan’s services and Platform usage;
  • We ensure your data is protected and handled with the highest security measures;
  • We will notify you of any changes to the Policy and your rights should they be altered or affected as a result of any changes and/or updates.